Becoming Coco

I've been told by so many friends, family members and financial gurus about how we all need credit cards in order to get by these days. They say without a credit card we can't get an apartments, a house or other loans. More and more these days decisions seem to be based on your credit score. They say because of that we should get a few credit cards and just be very responsible with them. I respectfully disagree. I believe the system is designed to make you think you need a credit card to survive because they want you to get one and fail. It's a flawed system so I say let's boycott it. First, the whole credit score thing is a made number by the companies who give out credit. It's not even on your credit reports from transunion, experian and Equifax. Yes the score represents useful information such as whether you make payments on time, but all the checks and boxes that show whether you have good credit are designed by the credit card companies themselves. Think t...

Today I got a phone call from a mysterious San Diego number. I thought maybe it was a job response since I live here locally, but the number was not a person from San Diego at all, but rather part of an infamous scam going on: "Free Cruises". Most people would hang up as soon as they heard the robot voice, great option, but some people like me may stay on. I have received many legitimate free vacations in the past, however once I got to the "end" of this call I was sure it was not legitimate, or at least not worth the risk. Read on so you can be informed and warn your friends and family. I received a phone call from a woman voiced robot at 1 (619) 273-5937 San Diego Area. She was a robot, not just recording, because she would ask a question and respond to your answers. She said that Holiday Cruise (the company name) is giving away their unused cabins in hopes of getting positive word of mouth advertising. I simply had to state that I was over 18 and had ...